Online Dental Insurance, Understanding Dental Insurance
Question: I am a little lost going though all the different types of dental insurance plans available online. What is better to get a dental discount plan or a dental HMO insurance plan. I looked at both types of plan but really do not see major different between the two. Since from what I can tell you have to choose a dentist in their network for both.
Reply: First a dental discount plan is not insurance like an HMO insurance plan. With a dental discount plan you receive discounted saving on all dental care services render by a plan provider hopefully making your dental care more affordable. With most dental HMO insurance plan your preventive services are free and in many cases the dental services covered under an HMO insurance plan is at a lower cost to you then most discount plans. However not all services are covered under an HMO and with a dental discount plan you do receive discounted cost for all dental services render.
Which is better? Well that would be up to you and what type of dental care you are looking for. I suggest reviewing our dental plans and insurance options and if you have any questions please call our member service line at 310-534-3444 as we be happy to help
